I always print my own cards. I'll use poser or bryce and, of course, photoshop. This year I got lazy and just scanned a photo we had taken in Las Vegas earlier in the year with some pine branches around it.
Last year I created a parchment paper with "Home for Christmas" words and music and a family photo faded into it with the Daz Violin at the base.
Before that did a looking in the window view with the kids pictures faded into christmas balls in the tree.
Those are the ones I can think of.

It's really getting to be stressful because family members are beginning to expect this so if I send plain cards they complain. ;)

...... Kendra